Savings Challenge Tracker

Make saving a game you can win, even when your income changes every month.

This Savings Challenge Tracker puts the most popular savings challenges in one Google Sheet, plus a Flex Challenge built for freelancers, gig workers, and commission and tip earners: save a percentage of every paycheck, whatever its size.

What's inside

• Dashboard: thermometer for your main challenge, plus progress charts for every challenge and goal

• Challenge Picker: every challenge's target, amount saved and % done at a glance

• 52-Week Challenge: classic ($1 to $52) or reverse ($52 to $1), with an adjustable step amount

• 100 Envelope Challenge: a 10×10 grid that colors in as you save, with any multiplier

• Goal Challenge: $1,000, $5,000, $10,000 or a custom goal, with planned vs actual and an on-track check

• Flex Challenge: log each paycheck and see exactly how much to save

• Savings Goals: up to 10 goals with % done and the amount needed per month

• Deposit Log: every deposit, tagged by goal

• Blank and sample versions, with step-by-step instructions inside

Built for irregular income

Tick boxes in any order. A slow month never breaks a streak, and a big month lets you knock out several weeks at once.

How you get it

Right after checkout you'll download a PDF guide with one-click "Make a copy" links. The tracker is saved to your own Google Drive, private and editable. You can also download it for Excel.

Good to know

• Instant digital download. Requires a free Google account.

• This is an organizing tool, not financial advice.

• Personal use license: please don't resell or share the file.

• Questions or trouble opening the file? Reply to your purchase email and I'll help.

This product was created with the help of AI tools, then reviewed, tested and finalized by me.